When it first started out in the late 1990s, a janitorial services company in Arizona quickly realized that the payment terms of its corporate and government customers weren’t going to sync up with its expenses — payroll, vendors, equipment, and supplies. “We had to pay all these expenses while waiting to get paid by our customers,” says the owner. “But we didn’t qualify for a bank loan or line of credit because we were a brand new business.”The owner talked to CFG about A/R financing, which ended up being a perfect solution. “If we had to wait up to 45 days to receive payment from our clients, we wouldn’t be able to meet our expenses,” she says. “Accounts receivable financing from CFG enabled us to get the business off the ground, and it’s still beneficial for us today.” The business now has a small bank line of credit, which it uses in addition to A/R financing in order to meet its cash flow needs.“We have a very strong relationship with CFG,” says the owner. “They bend over backward to help us.”